Lending knowledge / advice needed.

[Russell Phelps]

First I would like to start by stating I am new to REI and BP.

That said my question is how I could get started with financial help (loans, hard money, etc.) with the following in my recent past. I do have some monies allocated to starting but not able to go 100% by myself.

Chapter 7 discharged in 2009. No reaffirmation on 1st or 2nd mortgage completely discharged. Bank did not foreclose or sell property until December, 2012. According to loan officers, I am not eligible for any type of mortgage until 2016.

Decision forchapter 7 was mostly based on medical debt. In addition, I changed jobs in June 2011 and am now benefiting from a 60%increase in salary.

Any advice would be appreciated.

Sincerely,

Russell Phelps